General Liability

Liability is the extent to which a person or entity can be held legally responsible for damages to another person or entity or their property. General liability insurance protects moving companies against liability for unintentional injury to a person or damage to their property. Furthermore, it protects those employing the moving services of the moving company.

Here are some examples of why this coverage is important:

• Any time a moving company moves a heavy piece of furniture such as a piano, there is always the potential for an accident to occur. If that piano were to fall, it could cause major damage to the building in which it was being moved or it could potentially fall on the customer causing serious injury. If the moving company did not have liability insurance, the customer may not be able to obtain compensation for the damages or lost income due to injuries.
• Movers damage an elevator or glass entrance door in an apartment building during the course of moving furniture into their customer’s new apartment. If the moving company has liability coverage, its insurance company should cover the cost of repair or replacement. If the moving company doesn’t have liability insurance, the customer (being the tenant) can be held responsible for the damages.

Consumers should never hire any company from any industry that operates without liability insurance. Doing so could result in the customer being liable for damages or injury caused by such a company. At First Rate Movers, we have a $2,000,000 general liability policy.